Who Is OpenRoad?
OpenRoad Insurance LLC is a managing general agency that specializes in insurance for classic, collector, and specialty vehicles. Launched in 2024 out of Dallas, Texas, OpenRoad is led by CEO Richard Hutchinson, an insurance veteran with more than three decades of experience and prior leadership roles at Progressive, Hagerty, and Forge. Underwriting capacity is provided by National Interstate, a specialty carrier rated A+ (Superior) by AM Best. The program covers antiques, classics, muscle cars, modern sports cars, street rods, replicas, and custom cars and trucks.
OpenRoad’s policies are built around agreed-value coverage, which guarantees a set payout matching the vehicle’s insured worth in the event of a total loss rather than a depreciated figure. The program includes specialized protections tailored to collector-vehicle owners that are typically unavailable through standard auto policies, often at lower premiums given how these vehicles are driven and stored. OpenRoad works with independent agents, making it a fit for Better Choice clients who own a classic or collector vehicle that deserves more than a standard auto policy.
What They’re Known For
- Agreed-Value Coverage: Guarantees a set payout equal to your vehicle’s insured value on a total loss.
- Collector Vehicle Focus: Covers classics, muscle cars, street rods, replicas, and modern collectibles.
- A+ Rated Capacity: Underwritten by National Interstate, rated A+ (Superior) by AM Best.
- Agent Distribution: Available to collectors and their agents through independent agencies.
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Where We Write OpenRoad Insurance
Better Choice Insurance Group offers OpenRoad coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington